EXHIBIT 23.2

INDEPENDENT AUDITORS' CONSENT

We consent to the incorporation by reference in this  Registration  Statement of
MCB  Financial  Corporation  on Form S-8 of our report  dated  January 14, 2000,
appearing in the Annual Report on Form 10-KSB of MCB Financial  Corporation  for
the year ended December 31, 1999.

/s/Deloitte & Touche LLP

San Francisco, California
August 28, 2000